| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIM L LOBATO3 | 11213 DAVENPORT STREET SUITE 201 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $31K | — | $31K | 2.39% |
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 0.50% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | BLUE CARE NETWORK OF MICHIGAN | $30K | — | $30K | 4.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE 1446 ACCT 30215288 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | 29840 NETWORK PLACRE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.74% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTERAL INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $232 | $232 | 0.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $171 | $171 | 4.55% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, SUITE 1466 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $14 | $14 | 0.37% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 319 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 793 | $293K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY DBA EYEMED VISION CARE | 585 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 265 | $106K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 265 | $106K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 265 | $106K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 319 | $2.4M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 265 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.